michael kors canada

Rumors have been swirling that Kristen Stewart and Robert Pattinson’s romance is o michael kors canada ff again perhaps for good. According to a May 21 report from OMG! from Yahoo!, it seems Pattinson has packed up his dogs and belongings and moved out of St michael kors canada ewart’s home, which the two had been sharing.

Rob, unshaven and wearing sunglasses, a backwards baseball cap and t shirt, was photographed driving a pick michael kors canada up truck with the bed filled with trash bags. The couple’s rescued dogs, Bear and Bernie, rode with him in the cab.

Pattinson and Stewart broke up last year after she was very publically caught cheating on him. The two reconciled and seemed to be moving forward. Robert’s e michael kors canada xit makes it seem that it may be final this time. Pattinson was obviously in a hurry to get away from Stewart to throw his belongings in trash bags.

It’s great news for home owners but it’s becoming a lot harder for first home buyers to get into the market.

The latest figures from researchers RP Data Rismark show home values in Sydney have risen by 11.6% in the twelve months to end October. Melbourne is not far behind with home prices up 7.8% to the year ending michael kors canada October. Perth homes rose 6.9% and in Brisbane the rise was 3.4%. michael kors canada

At the other end of the scale, home values in Hobart dropped 0.7%, Darwin was down 0.1% while in Adelaide prices rose by just 1.9% over the same period.

Nationally, the median capital city home value is $511,000. The median for Sydney is much higher at $610,000.

It’s always a challenge for first home buyers to save a decent deposit though this becomes a lot tougher when values are rising rapidly. Some first timers will find a solution by buying with a small deposit backed by lenders mortgage insurance (LMI).

LMI applies if your deposit is worth 20% or less of the property’s value. In practice it involves paying a one off premium and the cost can be surprisingly high. As a guide, a first home buyer purchasing a $400,000 property with a 10% deposit of $40,000 could face an LMI premium of about $6,300. Buying the same property with a 5% deposit of $20,000 could see the cost of LMI reach around $12,600.

A number of lenders let first home buyers add the LMI premium onto their loan. The drawback here is that your monthly repayments will be higher, and it will also add to the long term interest cost.

An added sting in the tail is that LMI protects the lender if the home owner defaults on the loan. Borrowers receive no direct protection from LMI.

On the face of it, it’s reasonable to think that paying LMI today can make better sense than saving a bigge michael kors canada r deposit by which ti michael kors canada me prices may have risen further. The trouble is, this overlooks a key issue of home ownership, and that’s being able to live with your loan repayments even if rates were to rise in the future, and, at some point, they will.

I reckon there are two factors that should sound a warning bell for first home buyers hoping to purchase a home with a small deposit.

Firstly, Reserve Bank of Australia Governor Glenn Stevens recently commented on the lending growth in the housing market saying, “lenders and borrowers alike would be well advised to take due care.” When the man who sets the official cash rate urges caution, I’d be inclined to listen.

In addition, a recent survey by broker group Mortgage Choice found more than half the first home owners who had purchased within the last two years are considered to be in mortgage stress. This means more than 30% of their after tax income is going towards mortgage repayments.

The bottom line for first home buyers is that it is essential to think through your options very carefully. Yes, prices in many places are rising, however interest rates are at record lows and they won’t stay that way forever. I’m a great believer in the value of home ownership but not if it leaves you struggling with a mortgage you can’t really afford. Read Full Story

Now that June is here, summer weather will come calling, with high temperatures followed, no doubt, and a lack of water. According to the North American Lawn Institute an ‘average michael kors canada ‘ sized suburban lawn produces enough oxygen to support a family of four. A lawn is a high functioning, living, breathing colony of oxygen producing plants that are knit together to form a low growing welcome mat to your home.

You can give your lawn a boost and help it do its job more efficiently by following these few simple steps:

Cut your lawn high. 6 to 8 cm will do the job. Tall grass blades produce deeper roots that are more drought tolerant. Also, the taller the grass blades the fewer the weeds as weed seeds are ‘shaded out’ by the grass before they get a chance to germinate.

Use a mulching mower. The cut grass blades are regurgitated up into the cutting chamber of the mower where they are re cut before being thrust down into the root zone of the grass plants. As they decompose they add precious nitrogen to the soil.

Fertilize three times a year. Quality lawn fertilizer provides nutrients to the soil that are used by the grass plants to grow and michael kors canada thrive. Nitrogen is the primary ingredient in a spring/early summer application of fertilizer, and is always represented by the first number in the three number analysis on the bag.

Slow release nitrogen. The nitrogen that produces the best results in your lawn is most useful to it when it is released over an extended period of time. One of the most sophisticated forms of slow release nitrogen is sulphur coated urea. It releases nitrogen to the root zone as rain falls, temperatures rise, and microbial activity occurs in the soil. Iron also plays a role, as it helps to produce green chlorophyll, deepening the colour and enhancing the appearance of your lawn.

Overseed. Spread triple mix or lawn soil michael kors canada over areas where bare patches occur and apply quality grass seed by hand. Rake smooth, step on it to bring the soil and seed in firm contact, and water well until the roots have taken firm hold.

Water less. As we approach the summ michael kors canada er season, the temptation to get out the lawn sprinkler will pull at you. I urge you to hold off until there is a real need. A lawn will grow nicely without water for up to seven days. If it hasn’t rained for a week by all means give your lawn a drink and apply about two cm to make sure that it moves down to the root zone where it is really needed.

Don’t water. If we get into a drought situation, forget about watering all together. Your lawn will stop growing and it may go brown, but for the most part it will be dormant, not dead. That is, unless the drought continues for four weeks or longer at which time my theory of ‘dormant not dead’ could prove erroneous.

If you do experience dead areas in your lawn this summer, plan on overseeding in mid August. By late September your grass will have revived and will be looking good again.